Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.2 and a capital leverage ratio of 13.5. A current level of 2.9 percent of nonperforming loans to core capital combined with 3.8 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 42.0 percent and a “hot money” ratio of 16.2 percent.
Asset Mix:
Securities (57%), home mtgs (19%), comm re (8%), cash (4%), consumer loans (3%), comm loans (2%), other (8%)
States with Branches:
MS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Bancorp of Winona, Inc.
Investment Rating
--
Address
312 North Applegate Street
Winona, MS 38967
Winona, MS 38967
Phone Number
(662) 283-3231
Year Founded
1885
FDIC Number
Website
Largest Affiliates
No affiliate information available.